As an online-only financial institution, it's quite outdated. There’s no app, the website isn’t mobile-friendly, and security details are sent by post, which took 12 days to arrive. So, a key takeaway: don’t deposit money until you receive the security details; I didn’t anticipate the delay and lost access to my funds for a period. Also, the system may reuse details from previous accounts, so if you had an account ages ago, be prepared for potential complications.
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